SMS template · Utility
EMI Due Reminder SMS Template for NBFCs & Lending
A ready-to-adapt SMS message for NBFCs, lenders and loan DSAs, with placeholders, sample values and compliance notes.
When to Send This Message
Send three days before the EMI date. For NBFCs, lenders and loan DSAs, this is one of the everyday messages that keeps borrowers informed without a phone call. It works best when it is triggered automatically from your booking, billing or CRM software.
After disbursal, timely, respectful EMI reminders and clear statements are central to the relationship.
The SMS Template
India (DLT format)
Dear {#var#}, your EMI of Rs. {#var#} for loan account {#var#} with [Business Name] is due on {#var#}. Please keep sufficient balance in your bank account.International (plain text)
Dear {customer}, your EMI of Rs. {amount} for loan account {account} with [Business Name] is due on {date}. Please keep sufficient balance in your bank account.Example with sample values
Dear Mr. Yadav, your EMI of Rs. 8,450 for loan account XXXX4521 with [Business Name] is due on 5 Nov. Please keep sufficient balance in your bank account.
With these sample values the message is 156 characters in the standard GSM-7 character set, which is 1 SMS part (square brackets count as two characters each). Long links or local-language (Unicode) text increase the count, as Unicode SMS allow 70 characters per single part.
Replace [Business Name] with your registered brand name. Links shown use example.com as a placeholder; use your own domain.
Placeholders and Sample Values
| Placeholder | Meaning | Sample value |
|---|---|---|
| {#var#} | Customer | Mr. Yadav |
| {#var#} | Amount | 8,450 |
| {#var#} | Account | XXXX4521 |
| {#var#} | Date | 5 Nov |
Filling in each placeholder
- Customer (sample: Mr. Yadav): Use the first name or the salutation the customer gave you; fall back to a neutral greeting if the field is empty.
- Amount (sample: 8,450): Write amounts as Rs. 1,499 rather than with the rupee symbol, which forces Unicode encoding in SMS and shortens each part to 70 characters.
- Account (sample: XXXX4521): Use the same reference format that appears on your invoices, receipts or software, so customers and staff can match it quickly.
- Date (sample: 5 Nov): Write dates in an unambiguous form such as 14 Oct or 14 Oct 2026; avoid formats like 10/11 that customers read differently.
This template has 4 placeholders and a body of 160 characters before values are filled in. Shorter messages cost less and are more likely to be read in full; aim to keep the filled-in message within one or two SMS parts.
Category and Approval
In India this type of message is usually registered as Service Implicit: it relates to an existing transaction or relationship and can be delivered to numbers on the DND registry. It must not contain promotional content.
Compliance Checklist
- Any link uses a domain whitelisted for your header, as TRAI requires for URLs in commercial SMS.
- The brand name in the message matches your registered business or header.
- Promotional versions are sent only within the permitted hours and only to recipients who have not opted out.
Rules to keep in mind for NBFCs & Lending
RBI's Fair Practices Code and digital lending directions require clear disclosure (such as the Key Fact Statement), name the lender for every loan, and restrict recovery communication to reasonable hours with no harassment. Promotional loan messages need consent and must not promise guaranteed approval.
General guidance, not legal advice. Rules change, so confirm current requirements before launch. See our SMS compliance guide for India.
Tips for Better Results
- Use the customer's name and a reference number so the message is easy to trust and to search for later.
- Send it as close as possible to the event it relates to, such as right after booking or the day before an appointment.
Where this message fits for NBFCs & Lending
Borrowers search for loan types, rates and eligibility, use calculators, compare lenders and apply online, then upload documents and wait for approval. Speed of decision and clarity on fees drive conversion, and after disbursal the relationship is about repayment reminders and top-up offers.
Search ads capture loan searches; comparison sites and partners refer applicants; WhatsApp collects documents and answers questions; SMS sends OTPs, approvals and repayment reminders; voice calls verify applicants and handle collections within permitted hours.
Campaign ideas that pair with this template
- Repayment reminders three days before the due date
- Pre-approved top-up offers to customers with good repayment records
- Document checklist messages to speed up approvals
Need this SMS template set up?
We register, submit and connect templates for you, and send test messages before launch.
Questions About This Template
When should a lending business send the emi due reminder message?
Send three days before the EMI date. Automate it from your software where possible so it is never forgotten.
Can I send this SMS in India without DLT registration?
No. Commercial SMS in India must use a header and a content template registered on a DLT platform. Messages that do not match a registered template are blocked by the operator.
Which DLT category should I choose for this emi due reminder message?
Usually Service Implicit. The final category depends on your entity type, the consent you hold and your operator's guidelines, and we confirm it during registration.
Can DND Teams set this up for my lending business?
Yes. We adapt the template to your business, register or submit it, and connect it to your software or our panel. Share your use case on WhatsApp or through the form.
Related Templates
More SMS templates for NBFCs & Lending
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